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RAC Insurance Reviews

2.2 Rating 1,236 Reviews
29 %
of reviewers recommend RAC Insurance
2.2
Based on 1,236 reviews
Shipping & Delivery
Delivery Methods
Own Driver
Customer Service
Communication Channels
Telephone, Live Chat, Email
Queries Resolved In
Under An Hour
Customer Service
1.4 out of 5
Cancellations & Refunds
Cancellation Process
Difficult

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RAC Insurance 1 star review on 24th December 2024
Andrew
RAC Insurance 1 star review on 4th December 2024
Usman Darr
RAC Insurance 1 star review on 4th December 2024
Usman Darr
RAC Insurance 1 star review on 4th December 2024
Usman Darr
RAC Insurance 1 star review on 27th August 2024
Yeb De Jong
RAC Insurance 1 star review on 1st December 2023
John
RAC Insurance 1 star review on 23rd December 2022
Marie Robinson
2
Anonymous
Anonymous  // 01/01/2019
I took out holiday insurance with RAC for a holiday in Kraków with my daughter. Our trip to Poland was cancelled by the tour operator due to Covid-19. I asked RAC if the cover could be moved to a later date as I have rebooked my trip for next year. RAC told me I couldn’t move my insurance, so I have a weeks holiday insurance while I’m at home. I won’t be using RAC again for anything.
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Posted 4 years ago
I wish I'd known about these con artists before my son took out his insurance. He's 21 and just had his black box insurance cancelled, saying he's had three alerts, of which only the last one arrived. When we eventually got through, it was someone working from home, who said we would get a call back. Someone called back NOT the same day but the day after and when we queried the lack of alerts, we were told they didn't officially need to, so tough luck (in as many words) I asked how was he meant to know he was at risk of cancellation if no alerts came, and alter his driving. We were told we could have rung at any time we wanted to check!?!?! and/or log on to the app (which hardly ever works and is never showing current data) We were told there is nothing that can be done, despite me asking to wait until proof of how they calculated the driving score and proof of the email alerts that were claimed to have been sent. The guy on the phone got quite shirty when I was asking questions and wanting answers and basically told me that's how it is (basically sticking two fingers up) I am still awaiting the promised email of proof four days later. Oh and they want to charge my son to cancel the policy, even though it's them cancelling it, they say there is a cancellation fee of over £100!!!! Absolute joke of an insurance company. Just suppose glad we didn't need to use them for a claim. AVOID
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Posted 4 years ago
Just had an email to say monthly payment hadn't gone through. Phoned within 30 mins of receiving message. It was due to my card having gone out of date gave them my new card details straight away they still insisted on charging me £20 for late payment. Thanks RAC for looking to screw me for every bit of money you can. Won't be renewing my insurance with you next month, not that that will bother you, reading these reviews looks like you are out to take whatever you can from people!!
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Posted 4 years ago
My 19 year old son has today just had his black box insurance cancelled reason given saying it is his 3rd red alert. We have no previous warnings at all and given that he hasn't driven the car since 29th March - hasn't left the drive once - this is quite unbelievable. Impossible to reach, was on hold for over 3 hours yesterday then when it got to 6pm (their closing time), it just cut off. Been on hold for over an hour this morning. Please avoid - even if you have to pay extra elsewhere - total con.
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Posted 4 years ago
I know it's hard to contact firms whilst the world has gone mad with covid 19 However i have emailed and phoned constantly for weeks without any reply Not even an acknowledgement to say they have received my email and will deal with it in due course Very quick to take your money tho First and last time I will use RAC
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Posted 4 years ago
Have been with RAC home insurance for 3 years. I have changed profession and contacted RAC to tell them my profession changed from full time student to full time teacher. RAC Have charged me a £30 admin fee to do this! The call lasted two minutes & they still charge even if you do it yourself online. I have given them my custom for 3 years and renewed policies with them and this is how they treat loyal customers. I will not be using RAC in the future and would not recommend using them. Very disappointing and unfair service to loyal customer. This sounds like a greedy money making scam to squeeze more money from customers.
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Posted 4 years ago
Rac sent a blackbox for me to self install after 3 months of having the policy. Now after having the insurance for 10 months they want to cancel it stating I did not fit the blackbox. But the blackbox was fitted straight away They also want to charge me £300. This is totally out of order. I will never ever buy RAC again even if its the cheapest thing on earth. Please avoid Rac at all cost.
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Posted 4 years ago
No customer service No connection to excellent service previous received by RAC breakdown Entirely outsourced to unrelated companies such as CoPlus (see trust pilot) I feel I was misled by the offer of a known brand and experience. Instead I've been passed along a line of variable companies to a completely dissatisfactory outcome with no sh*ts given by the people I thought I was insured by and their responsibility in ensuring their recommendations are of the same perceived values as themselves. Instead they have completely disassociated themselves and given no customer service. I am glad that the worst accident was someone smashing my wing mirror- 4.5months later this isn't resolved! Imagine something more serious! A deceitful and misleading product. Avoid
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Posted 4 years ago
£55 cancellation fee ..representative was really apologisetic... how can they state that
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Posted 4 years ago
Insurance was sorted in 5 minutes easy to use and a good quote
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Posted 4 years ago
My 19 year old son had RAC black box insurance they cancelled giving us a days notice by letter, I phoned them up customer service shocking they said he had 3 red alerts which we hadn’t been notified by text phone nothing, they more or less said hard luck, ombudsman need to have a look at how they work, disgusting
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Posted 4 years ago
My son has been insured with RAC black box for the past 9 months, recently his circumstances have changed due to work resulting in him driving more miles and therefore initially added a further 2000 miles to his policy. More recently, he firstly received an email informing him that his mileage will be automatically increased, followed by a second email stating his policy will be terminated. Speaking to RAC, they informed him that the underwriters we're not willing to insure him for over 10,000 miles, this I would understand if he had a poor black box record, however, his record is excellent and taking into account they had previously increased his milage we were left frustrated to say the least that RAC we're no longer willing to insure him. Maybe I've missed something, please show me in legislation where a young driver is only permitted to drive 10,000 miles because I'm struggling to find it! RAC did offer an alternative underwriter at a cost of approx. 2K, unrealistic and quite frankly insulting, there seems to be a desire to drain the youth of as much money as feasibly possible, almost preventing the young man getting to work! He is now moving his insurance, unfortunately at an increased cost, he was three months away from earning his first year of no claims, however, RAC have taken that away from him at our expense. I am disgusted that you also have the audacity to charge him £125 to cancel his policy, what exactly do we get for £125? I'm really struggling to understand what would warrant this expense and I doubt we are getting value for money, unless of course you can demonstrate that it takes one of your employees an entire day to cancel policies! RAC has wasted his opportunity to build up his no claims by failing to account and accommodate peoples changes in circumstances, you should be ashamed of your rather poor service given the incredible cost in the first instance.
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Posted 4 years ago
Seeing alot of negative comments here, but as a first year driver I found this policy to be decent (as far as having a black box can go.) Having a black box isn't ideal and don't get me wrong, the scoring on it was sometimes a nightmare, you get marked down for speed if you go even 1mph over the speed limit, and you get marked down for your urban score quite easily, I found even due to slowing down for speed bumps. However, overall the scoring system is quite lenient and it isn't hard to drive carefully. My driver scores were usually around 90/100 every week over the year. There is no night curfew and when i did drive at night the night score didn't really go down too much anyway so that wasn't a problem. If you change up gears rather than accellerating from 2nd to 4th for example, and break slowly, you'll find yourself comfortably within a safe score. I question the people on here who are on low scores- How badly are you driving? However come renewal they didn't really offer anywhere near the most competitive price, so I wouldn't use this insurance with the sole focus being getting good scores for a cheaper renewal- Use price comparison sites as I saved about 200£ and got rid of my black box compared with staying with RAC. One complaint is that they won't remove the black box and told me to get it taken out next MOT, so I'm stuck with a box in the car using up battery. If they detect faults with your car they seem to love calling you from a call centre in manchester, I kept getting errors on the black box saying I had an emissions problem. They called saying it could cause the engine to break. I got this checked with mechanic and they said it was all fine. Overall I can't really complain. -If you get a black box car policy don't expect to be able to drive around accelerating rapidly and going over the speed limit. Its a black box for a reason. - Look around for renewal quotes as even though they say they take your scores in consideration, I got scores of mostly 85-95 all year and their renewal quote was more expensive by about £200 -Have no experience on making a claim or cancelling so cannot personally comment on that.
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Posted 4 years ago
The cover is great for a new driver and has a black box with free Installation which is good. However, if you have the black box I had several occasions where my score drops severely for no reason meaning they do tamper with data if you dont keep an eye on it but all in all it is good
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(Car Insurance) - Posted 4 years ago
Their charges are high for a single battery change they charge you as twice as some services
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Posted 4 years ago
Customer service almost non existent. Wrote two emails concerning my NCB but only got standard replies back after three or four days. No one actually answered my queries in my emails. Eventually cancelled my policy within the 14 day period. It cost me around £30 but found a better deal with Churchill. Still waiting for my refund which doesn't surprise me. Will never bother with the RAC again.
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Posted 4 years ago
Never again got policy restarting and payments going up each month was rediculas
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(Car Insurance) - Posted 4 years ago
Helpful customer service
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(Car Insurance) - Posted 4 years ago
If you are on the fence as a new driver, on whether to take RAC I strongly advise you read this. Price-wise it seemed good, for a first year driver. Didn't mind having a black box fitted etc. Now 10 months in, my policy has been cancelled (I paid this upfront so I have essentially lost my last 2 months worth, as well as my NCB and now having to declare the cancellation to new quotes). In an ongoing dispute with them over this but it has left myself, a key worker in a nightmare position. I am now out of pocket indefinitely and forced to find a new policy urgently. Basically the box triggered "red-alerts" three times due to low scoring and RAC/underwriters failed to communicate with me on all occasions, first I was made aware of this was coming home to a letter at the end of the week stating it has been cancelled (with no reason stated). Through escalation I keep being told they cannot do anything over it. If they manage to give me a good resolution I will of course update this review but I am sceptical so far. I raised my concerns 6 months ago, about the accuracy and validity of the black box but the response went radio silent. If you have read this far, please for the love of god suck up the extra couple hundred £'s at the outset and avoid these like the plague. This will protect your insurance and NCB in your future years.
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Posted 4 years ago
Customer service is poor. I was told the wrong information on a series of phone calls after an accident. Additional money was removed from my account which was EVENTUALLY refunded. I was told more than once, by more than one person, that I had already been refunded £25, part of the amount I was contesting. No I hadn't. The rest (£40) shouldn't have been charged in the first place. I'd been told after adjusting my policy, that I'd actually be due a bit of a refund! I was offered £10 compensation. I was told that they wouldn't check all the recorded phone calls as I requested. I was told that staff training wouldn't be changed to reflect my complaint. Only the last person I'd spoken to would alerted to any mistakes made. Even though others had given me wrong information too. They don't seem to be interested in improving their customer service at all. Won't be renewing with them.
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Posted 4 years ago
RAC Insurance is rated 2.2 based on 1,236 reviews